• David Martin

Who Qualifies for Long-Term Disability?

Updated: Jun 18, 2019



Long term disability (“LTD”) is a private benefit which is governed by a contract that is provided by you or someone else on your behalf. When it is endorsed by an employer, it is regulated or governed by federal or state law, depending on the employer. You qualify for LTD when you meet the contract requirements for that benefit. If that benefit has not been provided for you, then you will not qualify for such a benefit. There is no general federal or state law requiring that a benefit be provided. Only if a contract covers you will a law govern how it is provided. Check with your employer to see if you have such a benefit.


Remember, an LTD benefit should not be confused with other benefits that you may qualify to receive when disability strikes. Several other benefits may be available that are not called long‑term disability. For example, Social Security disability or Supplemental Security Income are government-provided benefits. Some may also have a pension that pays a disability pension benefit when disability arises.

Contact us today for a free initial consultation.

The Martin Law Group is dedicated to being your go-to ERISA attorneys and long term disability lawyers. Whether you are pursuing a long-term disability claim, life insurance benefits, or your pension or retirement benefits, we will meet with you face-to-face to discuss your claim at a location convenient for you. 

 

In an effort to make disability claims as easy as possible, we offer a free initial consultation. We often work with clients in Huntsville, Mobile, Birmingham, Montgomery, Dothan, Tuscaloosa, and Florence, in Alabama, as well as with clients in Columbus, Meridian, Jackson, Hattiesburg, Tupelo, and Gulfport, Mississippi, and surrounding areas.

Contact us today for a free consultation.

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2323 2nd Avenue North
Birmingham, Alabama 35203
Toll-Free: 800-284-9309
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